‘Flexible Working isn’t an option.’ That’s what my employer confirmed during my maternity. I had to choose, my career or my daughter? I chose my daughter, and paid the price.

When I say I paid the price I want to be clear from the off, I do not and never have regretted choosing my daughter.  Every cuddle, every tear, every moment.  The priceless gift of looking after another life… but why do you have to pay the price financially when it would be so easy to turn 37.5 hours, into 30.

I was very happy at work.  I began working age 14 part-time, 16 full-time, and I barely took a day off in 20 years.  I loved work.  I bought a house, married, and my husband and I knew that it would be likely that I would be the one working whilst he was a stay-at-home dad.  But life doesn’t always work as you planned.

Within a couple of years of my first (failed) pregnancy with my husband, I was single and pregnant with a donor.  I loved my job, was satisfied that I would look after us both and as (what I felt like) a middle aged woman I was happy with my decisions, I worked for a small, very family friendly company, where the two mothers worked around school plays and childcare.  But during my maternity leave my employer informed me that she had sold the company, but I was protected under TUPE.

As soon as I knew I would be a single mum I embarked on a law-degree.  I wanted to improve my long term salary prospects to enable me to ensure that my child did not feel the pinch of being bought up in a single parent family, but this was a long-term plan.  A ten year plan.  Something I would have shied away from in my 20s but when you are working on a new life timescale instead of your own, ten years does not seem that long.

Then came the birth of my child, an unbreakable bond that I could have never have imagined, and I was very lucky, the breastfeeding worked really well from the off.  I had a very happy and content baby, and being single really helped me to be nocturnal with her and it did not matter if we slept at 5pm.  Six months in this was still working well, I had attempted to use a pump and a bottle but this messed up the natural production on demand and I produced too much milk that was painful.  Natural was best and so I just fed her and produced the right amount of milk required.  Too much detail for some I appreciate, but it is relevant, as you will see.

I was happy to return to work, but the new location of my work, with the hours, parking etc would mean that I would need to drop my daughter at childcare at 7:30 and I would have collected her at 7pm, 5 days a week, and a shorter day on a saturday.  I would have seen this child on sundays only.  I asked my employer if I could work in a different branch (parking outside) or work reduced hours.  The cold, firm response was ‘flexible working is not an option, the hours and location are fixed and that is what is required under your contract to meet the needs of the business’.  How could I leave this baby?  She needed me, to feed her, nurture her, care for her, instinctively know if she was okay and cuddle her if she cried.  I knew her nappy cry, her hungry cry, her cuddle me cry, and her I don’t feel so good cry.

I chose my child, I had to choose, I had a strong work ethic, long-term professional development plans and I wasn’t shy of looking for work, so I handed in my notice and started looking for part-time work… oh how naïve I was – I did not know that society constructively dismisses you when you are a mother or penalises you for needing to work in school / childcare hours by paying you peanuts.

Within 12 months I had lost my property, reposessed, I was googling what support was available, I had to learn about benefits and make phone calls whereby I was immediately treated as one of life’s scroungers, I was worrying about the cost of being on hold, I was worrying about everything.  I studied and hugged my child and promised her that I would sort this out, but I did not know how hard that would be…

I found a part-time job.  I had taken a 50% paycut for the privelege of working in childcare hours.  I kept looking for better work, but all of them were really low pay, minimum wage or not much over.  I did do them but this leaves you trapped in relative poverty with the additional stress of school holidays.  I was being forced into a life of benefits, tax credits, housing benefit, debt, loans, payday loans.. all because I could not work for my skillset or salary band for 20 or 30 hours instead of 37.5.  I am pretty peed about this.

I was now a single mum on benefits with poor credit, unable to get further loans, unable to get a secure property, unable to get a decent job, I was paying for expensive properties (the only landlords that would have me!) or mouldy properties, or short-term properties, and so on.  The long-term, average rent, decent properties were let out to those not like me.  For 20 years I never complained about a chunck of my wages going missing into a pot incase I needed it one day.  I was happy that we worked that way.  I knew what it was like not to have an NHS (I had to wire £500 abroad so that my sister could get hospital treatment in my 20’s).  I was happy to chip in to a society that looked after each other.  I was happy to chip in to state school as all my friends had children,  but gosh when you need it people really tear you to pieces and make you feel like the lowest of the low, and it is a hard cycle to get out of!  I turned to pay-day loans for rent deficit and this damage is permanent.

If I accept working part-time for low pay as a permanent solution – becuase I am a mum, I will need tax credits and housing benefit for the duration of being a mum, I will need pension credits when I am older and I will never have disposable income to save a deposit to buy a property, and so will forever pay into somebody else’s estate, or the estate of the Crown.  When my friends enjoy cruises in retirement I will be paying rent until the day I die with no disposable income.  All because I could not continue my career, and my salary, part-time.

I am fortunate that with my entrepreneurial mindset I have created a company and the SMBN to help other women in similar situations, but this is because I have been forced out of the sanctuary of employment, pensions, decent salary, great skillset.  Whilst the SRA allows a 20hr per week training contract this is not realistic in the profession, and so my expectations of entering the legal profession were also naive.

I see so many posts by hundreds of women asking what work they can do in school hours.  I see women sob because they drag their babies out of bed as their employer will not allow flexibility.  I see women stressed on forums because they are breastfeeding and under pressure to move to the bottle so that they can get back to work in a few months.  Women are targeted to work from home for free.  Millions of families in the UK are forced into relative poverty becuase the parent can’t continue his/her career AND be a parent.  It’s all for the sake of a few hours, we don’t all have grandparent childcare.  Families are locked into rental properties.  We have wealthy employers and wealthy landlords because the combination of being able to charge high private rent and pay employees a low wage, because the Gov say it’s okay, but the Gov do not live on this wage or pay this rent.  We have sheep instead of leaders.

It is a very sad state of affairs where a woman is punished for doing the most important job in the world.  Taking care of you.

I’m all for shared parental leave if it works for both parents, but if a woman is nurturing and feeding well then this must be the priority in the first 12 months.  Thereafter we should all be able to work and be parents.  And 15 weeks holiday? Schools all need free summer school.

For now I help women who are forced into self-employment gain exposure to their business, because they are TRYING to make it work, where culture has really let them down, and of course PR budget is an issue with all of the above considered, so they need somebody to help them!

Jules

http://www.singlemumsbusinessnetwork.com

 

 

 

Single Mums Business Network

I’ve been busy! See my other blog site www.singlemumsbusinessnetwork.com Slide3

I’ll still post blogs on here about all things that rattle my cage but the SMBN is taking over for now! Caring & Sharing X

Bias in the Tenant Market – HB or Pets? No thank you.

I never try to find things to write about in my blogs, I simply post when I am inspired or triggered to post about something I already feel strongly about.

I had a lovely trigger this morning, where a social media post asked a very simple yet desperate question… ‘Does anyone know of any 3 bed houses to rent in Monmouth or surrounding villages that will accept housing benefit please?’

I felt her pain immediately and felt inspired to comment, to re-assure her that she would find somewhere.

Now I have been a homeowner, a landlady, a tenant as part of a married couple, an estate agent, and more recently, a single-mum in receipt of housing benefit without a guarantor, and believe me, the latter is the most hellish of them all (and karma giving me a big slap on the bum!).  I have had to fight myself to prove my worth and I know how hard it is.

Now I have been well aware for a very long time that there is bias / discrimination against people who fall under a certain category.  A literal ban that does not take any individual circumstances, history, or future into account and it is quite simply wrong in this day and age.  As a younger woman I did have preconceptions about who was who and what their worthiness was, and of that I have no choice but to forgive myself, but now I must redeem myself and try to help others.

Equally it is extremely hard to enjoy your private life / your home / and enjoy pets as part of your private life, if you are tenant.  Now my personal feelings are, and always have been, that every person should enjoy the same rights and quality of life if they wish to have pets in their family.  I have witnessed issues faced by landlords, damage, urine, fleas, and these issues have been awful, but they are very much the minority, and I am afraid I have a black and white view that if you are in the business of building your property portfolio at the expense of others then this should be part of the small risk.

Most tenants with pets are ‘immaculate’, and on regular property visits it would quite often be the case that HB tenants with pets were cleaner and in better timing with their rent than the stereotypical perfect tidy salary 2.4, or just 2.

Nowadays a huge percentage of the population rely on credit to get them by each month (if you are a follower of my blogs you will know that I do not do stats – that’s your homework!).  This is no different for those whichever ‘class’ they fall under, we just still keep a stiff upper lip about it.  Equality is heavily preached in this country, but in practice the reality is quite the opposite.

Equally the right to a private life and enjoyment of pets is something that seriously needs addressing, people are literally having a lesser quality of life because of the private rental market.  The private rental market is blooming because house prices have risen inconsistently with inflation.  From buying a house from £7,000, to £45,000 to £200,000 is literally insane, and it needs addressing.

I have been a fly on the wall where hard-working pensioners, with beloved pets, have found it extremely hard to find a rental property, despite a 100% hard working career and immaculate cleanliness. I have witnessed so many painful stories of discrimination and it must stop.  Again we are rewarding the rich and penalising the poor (or at least disadvantaged)  (see my earlier post).

With respect to the Housing Benefit argument.  I understand that there is a percentage of claimants who are HB as a lifestyle / career choice and I can see why this would be upsetting to many, but I urge you to open your mind to the fact that many who need to claim HB do so for a short period in their lives, more than likely 20 years of contributions have preceded the need to claim and 25 / 30 years will proceed it.

The first 20 years of my own adult working life I was earning in the region of £14,000 and I never complained about how my contributions were spent, I understood that we all looked after each other.  I was aware that people earning significantly more than I were entitled to approx. £20 per week child benefit but this was never an issue, but as soon as I became a mum in need of a little recoup (to top up the wage, allowing me to be a hands on mum) I was amazed how many people re-categorised me and asked ‘why should we pay for your kid’.  Darling my need is short term and my contributions will be paying towards your healthcare at some point and I will not judge you for your lifestyle choices leading up to it.

Another issue we face in England and Wales is that of distant renting.  In Scotland you can secure a rental property on-line, down here we can ‘buy’ a property on-line, and secure a rental property on-line, but securing a AST is a big no-no, and that is quite unfeasible for many that relocate to the area.

There are so many issues surrounding tenancies, another being agency fees, they are ridiculous, the most successful agent I know in the region charges £60, and that’s it, there is absolutely no need to charge £100 / £200, remember I have administered it.  The rental income comes from the initial fee to the landlord (normally 75% first months rent) and the management fees (normally 10/11% per month).  Please can we stop charging these poor people a fortune, to run a couple of references and a credit check.

I may elaborate on here at a later date, but for now, please be pro-active in implementing these much needed changes to this awful discrimination that is so prominent in so called modern society.